The Consumer Financial Protection Bureau (CFPB) took action against Security National Automotive Acceptance Co. (SNAAC), an auto lender specializing in loans to service members, for violating a bureau consent order. In 2015, the CFPB ordered SNAAC to pay both redress and a civil penalty for illegal debt collection tactics, including making threats to contact service members’ commanding officers about debts and exaggerating the consequences of not paying. SNAAC violated the 2015 order by failing to provide more than $1 million in refunds and credits, affecting more than 1,000 consumers. The new consent order requires SNAAC to make good on the redress it owes to those consumers and pay an additional $1.25 million penalty.SNAAC, based in Mason, Ohio, is an auto-finance company that operates in more than two dozen states and specializes in loans to service members, primarily to buy used vehicles. In October 2015, a CFPB consent order found that SNAAC had indeed engaged in unfair, deceptive, and abusive acts and practices while collecting on these auto loans. The order required SNAAC to pay $2.275 million in consumer redress through credits and refunds, and a $1 million civil penalty. Consumers with an account balance were to receive credits to their accounts, and consumers with a zero balance were to receive cash refunds. While SNAAC submitted two plans that claimed to provide the full amount of redress ordered, both were designed to underpay such redress. Acting on a tip from a service member’s father, the CFPB discovered that SNAAC had issued worthless “credits” to hundreds of consumers and failed to provide proper redress to many more.The CFPB is issuing the new consent order against SNAAC for violating the terms of the 2015 consent order by failing to properly give refunds or credits to affected borrowers.